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Outage at the IT provider: does cyber insurance pay?

limited Varies by insurer

Loss of income if the cloud or a provider is attacked. Of 9 business products read: 1 add-on, 5 limited, 3 no information.

Only if the service provider’s system was attacked, and usually with a written contract (Mobiliar, Zurich); purely technical outages and network outages are not covered.

As of

AmukI read 9 business products. 0 of them cover this module without an add-on.
On this page
  1. By insurer
  2. In industries

9 answers on the shelf

Each jar is a business product whose terms we read.

9 answers: 1 add-on, 5 limited, 3 no information Zurich, Zurich Cyberversicherung (variants Basic, Optimum, Premium): add-onAXA, SME insurance, cyber insurance module (same content: «Cyberversicherung Unternehmen»): limitedSunrise (AXA), Business Cyber Insurance (option for KMU SecureConnect, Sunrise Ethernet and others): limitedMobiliar, Cyber insurance for companies (first-party loss, third-party loss, assistance, IT Assistance, legal protection): limitedHelvetia, Helvetia Cyber-Versicherung – KMU-Spezial (variants ECO, SMART, TOP): limitedChubb, Cyber Enterprise Risk Management (Cyber ERM) V2.2: limitedAllianz Suisse, Cyber Risk Versicherung: no informationVaudoise, Additional cover «Cyber and data protection» to the Business One contents and business liability insurance: no informationAIG, CyberEdge: no information
  • add-on1
  • limited5
  • no information3

  • AXA

    SME insurance, cyber insurance module (same content: «Cyberversicherung Unternehmen»)

    limited

    Condition and source

    Attacks on cloud systems used are co-insured (exception to B12); contingent losses from third-party businesses and outages of third-party service providers without an attack are not.

    AXA Versicherungen AG, Ausgabe 06.2024 (16381DE – 2024-06), Ziff. A1.2.3, S. 6 · Open document

  • Sunrise (AXA)

    Business Cyber Insurance (option for KMU SecureConnect, Sunrise Ethernet and others)

    limited

    Condition and source

    Data restoration at cloud providers only on a subsidiary basis; outage of third-party service providers without an attack excluded.

    Sunrise GmbH, abgerufen 06.11.2026, S. 2 · Open document

  • Mobiliar

    Cyber insurance for companies (first-party loss, third-party loss, assistance, IT Assistance, legal protection)

    limited

    Condition and source

    Losses on systems of an outsourcing service provider with a written contract count as the policyholder’s own; excluded are the provider’s subcontractors, errors by its employees and lack of access to third-party infrastructure.

    Schweizerische Mobiliar Versicherungsgesellschaft AG, Ausgabe 01.2024, Ziff. E lit. q und r, S. 22 · Open document

  • Zurich

    Zurich Cyberversicherung (variants Basic, Optimum, Premium)

    add-on

    Condition and source

    Servers of an external IT service provider/cloud provider with a written agreement are part of the insured network (BI only Optimum/Premium). Network outage of any cause excluded.

    Zürich Versicherungs-Gesellschaft AG, Ausgabe 01/2024 (ZH9513d-2402), Art. 102.1, S. 8 · Open document

  • Helvetia

    Helvetia Cyber-Versicherung – KMU-Spezial (variants ECO, SMART, TOP)

    limited

    Condition and source

    Systems operated by an external service provider count as part of the IT system; not insured are purely technical failures at the service provider, outage of external networks and access blocks from the third week.

    Helvetia Schweizerische Versicherungsgesellschaft AG, Ausgabe Juni 2026 (Dokument 01.07.2026, CH00TLV), Ziff. 3.2.3 lit. j, S. 9 · Open document

  • Allianz Suisse

    Cyber Risk Versicherung

    no information

    Condition and source

    GTC not public, no information found.

    Terms not public, quote via BTAG.

    Allianz Suisse Versicherungs-Gesellschaft AG, abgerufen 06.11.2026 · Open document

  • Vaudoise

    Additional cover «Cyber and data protection» to the Business One contents and business liability insurance

    no information

    Condition and source

    Cyber GTC not public, no information found.

    Terms not public, quote via BTAG.

    Vaudoise Allgemeine Versicherungs-Gesellschaft AG, abgerufen 06.11.2026 · Open document

  • Chubb

    Cyber Enterprise Risk Management (Cyber ERM) V2.2

    limited

    Condition and source

    Shared Computer Systems (cloud/SaaS) with its own limit, infrastructure excluded.

    Terms not public, quote via BTAG.

    Chubb European Group SE, 01/2022, 3.71 · Open document

  • AIG

    CyberEdge

    no information

    Condition and source

    GTC not public.

    Terms not public, quote via BTAG.

    AIG Europe S.A., Zweigniederlassung Opfikon, geändert 20.08.2026 · Open document

6 insurers without a business product we read

Overview based on public policy terms, as of 06.11.2026. Only your policy and its general terms and conditions (GTC) are binding. No confirmation of cover.

Where this module comes into play

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